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AUTO Insurance
Our vehicles are one of the most important things that we own – they get us where we need to go, from home to work, school and more. An auto accident can strip you of that convenience and leave you unable to get where you need to go. When a major accident occurs, you don’t want to be left stranded with inadequate coverage!
At Huwel Insurance, we understand your auto insurance must help you meet basic needs if you’re involved in accident. This includes the ability to get around while your car is in the shop, but also needs to cover hefty medical bills if you’re injured in a major accident. Don’t fall for the cheap coverage available online that may leave you standard! We’ll help you find the right coverage at the right price for you. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else!
At Huwel Insurance, we understand your auto insurance must help you meet basic needs if you’re involved in accident. This includes the ability to get around while your car is in the shop, but also needs to cover hefty medical bills if you’re injured in a major accident. Don’t fall for the cheap coverage available online that may leave you standard! We’ll help you find the right coverage at the right price for you. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else!
AUTO Insurance
Our vehicles are one of the most important things that we own – they get us where we need to go, from home to work, school and more. An auto accident can strip you of that convenience and leave you unable to get where you need to go. When a major accident occurs, you don’t want to be left stranded with inadequate coverage!
At Huwel Insurance, we understand your auto insurance must help you meet basic needs if you’re involved in accident. This includes the ability to get around while your car is in the shop, but also needs to cover hefty medical bills if you’re injured in a major accident. Don’t fall for the cheap coverage available online that may leave you standard! We’ll help you find the right coverage at the right price for you. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else!
At Huwel Insurance, we understand your auto insurance must help you meet basic needs if you’re involved in accident. This includes the ability to get around while your car is in the shop, but also needs to cover hefty medical bills if you’re injured in a major accident. Don’t fall for the cheap coverage available online that may leave you standard! We’ll help you find the right coverage at the right price for you. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else!
What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage.
PROPERTY COVERAGE
Pays for damage to or theft of your car
LIABILITY COVERAGE
Pays for your legal responsibility to others for bodily injury or property damage
MEDICAL COVERAGE
Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
What is Auto Insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage.
PROPERTY COVERAGE
Pays for damage to or theft of your car
LIABILITY COVERAGE
Pays for your legal responsibility to others for bodily injury or property damage
MEDICAL COVERAGE
Pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
What is included in an auto insurance policy?
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. In Ohio, it is illegal to drive any motor vehicle (or allow another person to drive) without insurance or other proof of financial responsibility. Ohio also requires certain minimum auto insurance coverage including Bodily Injury Liability as well as Property Damage Liability Coverage. While the state dictates this minimum, motorists are highly encouraged to obtain more than minimum coverage.
What is included in an auto insurance policy?
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. In Ohio, it is illegal to drive any motor vehicle (or allow another person to drive) without insurance or other proof of financial responsibility. Ohio also requires certain minimum auto insurance coverage including Bodily Injury Liability as well as Property Damage Liability Coverage. While the state dictates this minimum, motorists are highly encouraged to obtain more than minimum coverage.
Why Do You Need Auto Insurance?
Beyond the minimum coverage required by most states, the main purpose of auto insurance is protecting yourself financially from unforeseen events. If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Why Do You Need Auto Insurance?
Beyond the minimum coverage required by most states, the main purpose of auto insurance is protecting yourself financially from unforeseen events. If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions To Ask Your Agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? Higher premium or higher deductible?
- What is the insurance company’s level of service and ability to pay claims?
- What discounts are available? Ask about good driver, multiple policy and student discounts.
- What’s the procedure for filing and settling a claim? Who should you call and what happens next?
Questions To Ask Your Agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? Higher premium or higher deductible?
- What is the insurance company’s level of service and ability to pay claims?
- What discounts are available? Ask about good driver, multiple policy and student discounts.
- What’s the procedure for filing and settling a claim? Who should you call and what happens next?
HUWEL INSURANCE AGENCY PARTNERS
As an independent agency, we are proud to represent over a dozen insurance carriers allowing our team to find the best company to fit your personal and business insurance needs.
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CONTACT THE HUWEL INSURANCE GROUP
If you’re looking for the right insurance at the right price for you home, auto, or business, contact us today for a free custom quote!
- 513-321-1400
- ann@huwelinsurance.com
- Open Monday through Friday 9am - 4:30pm
- 3644 Werk Rd. #58291, Cincinnati, OH 45258
HUWEL INSURANCE GROUP OFFICE LOCATIONS
DELHI
5340 Rapid Run Road
Suite 6
Cincinnati, OH 45238
Blue Ash
7800 Cooper Road
Suite 205
Cincinnati, OH 45242
O'Bryonville
1981 Madison Road
Cincinnati, OH 45208
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